Futures and Commodity Market News

Jun 27, 2025 (MarketLine via COMTEX) --

Brazil has quietly built one of the most successful real-time payment systems in the world over the past five years. Launched in late 2020 by the Central Bank of Brazil, Pix enables instant, free payments between individuals and businesses. Today, over two-thirds of the Brazilian population use Pix regularly, with people saying aEURoePix meaEUR instead of aEURoepay me backaEUR, and surpassing both credit and debit cards in transaction volume according to the Central Bank.

Pix is now taking a significant step forward in the recurring payments space with the introduction of Pix AutomAitico, a major upgrade that enables automated, pre-approved recurring payments.

Building on the success of Pix, this new feature introduces a streamlined experience for subscription-based services and recurring charges. It promises to elevate an already trusted and efficient payment method into a powerful tool for sustained digital commerce, providing a blueprint for other countries in Latin America and beyond to follow.

An evolving subscription landscapeAs BrazilaEUR(TM)s economy has modernised, more and more international companies that rely on subscription services have entered the South American country. In fact, subscription box services alone generate overA$170 million annually. But until now, recurring payments typically relied on manual processes. With justA40% of Brazilians owningAa credit card -and over 75% using Pix-, subscriptions must be paid manually every month using Pix or Boleto BancAirio.

Pix Automatico is set to reflect the adaptability and success of Pix in a card-scarce environment. ItaEUR(TM)s a natural next step as a technical evolution that brings automation, simplicity, and reliability to recurring payments, all while building on the strong consumer trust Pix already enjoys.

Set it and forget itPix AutomAitico changes the equation. It allows consumers to authorise recurring debits directly from their existing bank or wallet accounts, eliminating the need for credit cards, repeated QR code scans, or monthly reminders. The process begins with a one-time enrolment, often via QR code or app interface, which serves solely to authorise future charges.

The result is a smoother, more trustworthy experience that remains user-controlled through opt-in and cancellation features. For businesses, the implications are enormous. It offers them a more predictable cash flow, lower churn, and higher customer lifetime value, especially important in a market where flexibility and simplicity are key.

Now, companies that rely on subscription models can reach BrazilaEUR(TM)s large unbanked and underbanked populationsaEUR"people who were previously excluded from the digital economy due to a lack of access to traditional banking. Neobanks likeANubankA(with over 104 million customers across Latin America) andABanco InterA(30 million in Brazil) offer simple, accessible alternatives. Digital wallets such asAPicPay and Mercado PagoAare also widely used, helping millions manage money and make payments without a traditional bank. For these consumers, Pix AutomAitico doesnaEUR(TM)t just improve convenienceaEUR"it represents inclusion.

Delivering local innovation at scaleBanks and fintechs are also poised to benefit. Beyond media subscriptions and digital content, Pix AutomAitico can power recurring use cases like insurance premiums, utility bills, gym memberships, and even automated savings or micro-investments. The infrastructure opens the door for new financial products that are simple, real-time, and inclusive by design.

ThereaEUR(TM)s growing speculation that Pix AutomAitico could even displace traditional direct debits in Brazil. Unlike legacy debit arrangements, which are slow to set up and can be bank-specific, Pix AutomAitico offers real-time settlement and works across institutions.

Strengthening an already-mature systemPix Automatico isnaEUR(TM)t a new alternative form of payment in the Brazilian market, rather a continuation of the countryaEUR(TM)s bold leadership in digital payments. Pix is already the countryaEUR(TM)s most used payment method, deeply embedded in the lives of consumers and businesses alike. Pix AutomAitico builds on this maturity, adding functionality that makes recurring payments easier, more consistent, and better aligned with both consumer behaviour and business needs.

For companies looking to grow in Brazil, integrating Pix AutomAitico will require collaboration with payment processors, updated user flows, and strong customer education. But the return is clear - stronger conversions, more predictable revenue, and a deeper connection to one of the worldaEUR(TM)s most innovative digital economies.

Brazil has already proven that game-changing financial innovation can come from central bankers, not just tech giants. Pix AutomAitico is the next chapter in that story, reminding us that the future of fintech may be written not only in code, but also in Portuguese.

Federico Mazzoli is VP of Product at dLocalA

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